{"id":792,"date":"2023-05-14T18:27:15","date_gmt":"2023-05-14T16:27:15","guid":{"rendered":"https:\/\/regbu.com\/?p=792"},"modified":"2025-09-05T07:42:36","modified_gmt":"2025-09-05T05:42:36","slug":"hypotecni-uver-vs-uver-ze-stavebniho-sporeni","status":"publish","type":"post","link":"https:\/\/regbu.com\/pl\/kredyt-hipoteczny-vs-kredyt-od-rozwiazan-budowlanych\/","title":{"rendered":"Hypot\u00e9\u010dn\u00ed \u00fav\u011br vs. \u00fav\u011br ze stavebn\u00edho spo\u0159en\u00ed"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Hypot\u00e9\u010dn\u00ed \u00fav\u011br a \u00fav\u011br ze stavebn\u00edho spo\u0159en\u00ed jsou finan\u010dn\u00ed produkty souvisej\u00edc\u00ed s&nbsp;po\u0159\u00edzen\u00edm nemovitosti. Byty, domy a stavebn\u00ed pozemky ostatn\u011b p\u0159edstavuj\u00ed zaj\u00edmav\u00e9 <a href=\"https:\/\/regbu.com\/pl\/inwestycje-mozliwosci-niezwykle-bogate\/\"><strong>mo\u017enosti investic<\/strong><\/a>. Pokud sn\u00edte o vlastn\u00edm bydlen\u00ed a nem\u00e1te dostatek pen\u011b\u017en\u00edch prost\u0159edk\u016f, nab\u00edz\u00ed se V\u00e1m v&nbsp;podstat\u011b t\u0159i dostupn\u00e9 varianty, o nich\u017e se podrobn\u011bji zm\u00edn\u00edme v&nbsp;n\u00e1sleduj\u00edc\u00edch \u0159\u00e1dc\u00edch.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Hypot\u00e9\u010dn\u00ed \u00fav\u011br<\/li>\n\n\n\n<li>P\u0159eklenovac\u00ed \u00fav\u011br<\/li>\n\n\n\n<li>\u0158\u00e1dn\u00fd \u00fav\u011br ze stavebn\u00edho spo\u0159en\u00ed<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">S&nbsp;pomoc\u00ed t\u011bchto \u00fav\u011brov\u00fdch produkt\u016f m\u016f\u017eete financovat nejenom n\u00e1kup nemovitosti. Dostupn\u00e1 jsou tak\u00e9 mnoh\u00e1 dal\u0161\u00ed \u0159e\u0161en\u00ed v&nbsp;podob\u011b <strong>przebudowa i modernizacja<\/strong>. Kapitolou samou o sob\u011b je kompletn\u00ed v\u00fdstavba rodinn\u00e9ho p\u0159\u00edbytku a majetkov\u00e9 vypo\u0159\u00e1d\u00e1n\u00ed man\u017eel\u016f.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Dostupnost hypot\u00e9k je st\u00e1le hor\u0161\u00ed<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Nejprve se poj\u010fme financov\u00e1n\u00ed nemovitosti v\u011bnovat trochu obecn\u011bji. Boom hypot\u00e9k se samoz\u0159ejm\u011b v\u00e1\u017ee k&nbsp;\u010dasov\u00e9 ose. Sta\u010d\u00ed se pod\u00edvat na p\u0159edchoz\u00ed l\u00e9ta a v\u00fdvoj cen nemovitost\u00ed, s&nbsp;nimi\u017e se poj\u00ed tak\u00e9 v\u00fdvoj \u00farokov\u00fdch sazeb a z\u00e1jem potenci\u00e1ln\u00ed klient\u016f. Nahl\u00e9dnout m\u016f\u017eeme t\u0159eba do historick\u00fdch dat spjat\u00fdch s&nbsp;minul\u00fdmi l\u00e9ty v&nbsp;\u010cR.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Rok<\/strong><\/td><td><strong>\u00darokov\u00e1 sazba<\/strong><\/td><\/tr><tr><td>2005<\/td><td>4,25 %<\/td><\/tr><tr><td>2009<\/td><td>5,56 %<\/td><\/tr><tr><td>2016<\/td><td>2,13 %<\/td><\/tr><tr><td>2022<\/td><td>4,88 %<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Jak\u00fd byl v\u00fdvoj \u00farokov\u00fdch sazeb u hypot\u00e9k v \u010cesk\u00e9 republice v minul\u00fdch letech?<\/figcaption><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">\u00dav\u011br ze stavebn\u00edho spo\u0159en\u00ed obvykle <em>konkuruje hypot\u00e9\u010dn\u00edmu \u00fav\u011bru z&nbsp;pohledu \u00farokov\u00e9 sazby<\/em>. O\u010dek\u00e1vat rozhodn\u011b nelze velk\u00e9 rozd\u00edly. Ty se t\u00fdkaj\u00ed sp\u00ed\u0161e samotn\u00fdch produkt\u016f jako takov\u00fdch. Ka\u017ed\u00fd z&nbsp;nich toti\u017e disponuje jist\u00fdmi v\u00fdhodami a nev\u00fdhodami.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Hypot\u00e9\u010dn\u00ed \u00fav\u011br od banky<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">V\u00a0tomto \u010dl\u00e1nku se zam\u011b\u0159ujeme na hypot\u00e9\u010dn\u00ed \u00fav\u011br poskytovan\u00fd bankovn\u00ed instituc\u00ed. Na trhu pochopiteln\u011b existuj\u00ed i nebankovn\u00ed spole\u010dnosti, kter\u00e9 nab\u00edz\u00ed vy\u0161\u0161\u00ed finan\u010dn\u00ed \u010d\u00e1stky. Ty jsou ale obvykle spojeny s\u00a0velk\u00fdmi \u00farokov\u00fdmi sazbami a nev\u00fdhodn\u00fdmi spl\u00e1tkov\u00fdmi podm\u00ednkami.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">\u00dav\u011br ze stavebn\u00edho spo\u0159en\u00ed je poskytov\u00e1n spo\u0159itelnami a p\u0159edstavuje jeden z dominantn\u00edch produkt\u016f jejich portfolia. <\/p>\n<cite>Barbara S., bankovn\u00ed \u00fa\u0159ednice.<\/cite><\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">Ji\u017e zmi\u0148ovan\u00fd p\u0159eklenovac\u00ed \u00fav\u011br v\u00a0\u00favodu tohoto \u010dl\u00e1nku je \u00fazce spjat s\u00a0\u0159\u00e1dn\u00fdm \u00fav\u011brem ze stavebn\u00edho spo\u0159en\u00ed. <strong>Spad\u00e1 tedy do produktov\u00e9 nab\u00eddky spo\u0159itelen<\/strong>. O tom v\u0161ak v\u00edce v\u00a0n\u00e1sleduj\u00edc\u00edch \u0159\u00e1dc\u00edch.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"579\" src=\"https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/penize-z-hypoteky-1024x579.jpg\" alt=\"\" class=\"wp-image-794\" srcset=\"https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/penize-z-hypoteky-1024x579.jpg 1024w, https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/penize-z-hypoteky-300x170.jpg 300w, https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/penize-z-hypoteky-768x434.jpg 768w, https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/penize-z-hypoteky-18x10.jpg 18w, https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/penize-z-hypoteky.jpg 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\">Pen\u00edze z hypot\u00e9\u010dn\u00edho \u00fav\u011bru lze vyu\u017e\u00edt prim\u00e1rn\u011b k financov\u00e1n\u00ed rodinn\u00e9 nemovitosti.<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Hypot\u00e9\u010dn\u00ed \u00fav\u011br a v\u0161e o n\u011bm<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Hypot\u00e9\u010dn\u00ed \u00fav\u011br pravd\u011bpodobn\u011b nen\u00ed nutn\u00e9 p\u0159edstavovat dopodrobna. P\u0159esto pro ty m\u00e9n\u011b znal\u00e9 m\u00e1me jeho kr\u00e1tkou definici. Jedn\u00e1 se o dlouhodob\u00fd typ p\u016fj\u010dky, kter\u00e1 souvis\u00ed se z\u00e1stavn\u00edm pr\u00e1vem k&nbsp;nemovitosti. Obvykle je to ona financovan\u00e1 nemovitost, v\u00fdjimkou v\u0161ak nejsou ani objekty t\u0159et\u00edch stran.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Hodnota nemovitosti mus\u00ed odpov\u00eddat v\u00fd\u0161i hypot\u00e9ky<\/li>\n\n\n\n<li>Ru\u010dit lze v\u00edce odli\u0161n\u00fdmi typy nemovitost\u00ed<\/li>\n\n\n\n<li>V&nbsp;p\u0159\u00edpad\u011b t\u0159et\u00edch stran je zapot\u0159eb\u00ed jejich souhlasu<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Pokud V\u00e1m za po\u0159izovanou nemovitost bude ru\u010dit n\u011bkdo dal\u0161\u00ed, <em>p\u0159ech\u00e1z\u00ed na n\u011bj z\u00e1vazky spojen\u00e9 s&nbsp;Va\u0161\u00ed platebn\u00ed neschopnost\u00ed<\/em>. To znamen\u00e1, kdy\u017e nebudete platit hypot\u00e9\u010dn\u00ed \u00fav\u011br v\u010das, m\u016f\u017ee se do probl\u00e9m\u016f dostat pr\u00e1v\u011b t\u0159et\u00ed strana.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">V\u00fdhody hypot\u00e9\u010dn\u00edho \u00fav\u011bru<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Poj\u010fme se nejprve zam\u011b\u0159it na to, jak\u00fdmi klady V\u00e1s p\u0159ekvap\u00ed hypot\u00e9\u010dn\u00ed \u00fav\u011br. Pozitivn\u00edch vlastnost\u00ed m\u00e1 tento \u00fav\u011brov\u00fd produkt v\u00edce ne\u017e dost. Pokud za\u010dneme od \u00fapln\u00e9ho za\u010d\u00e1tku, jde ve sv\u00e9 podstat\u011b o jeden z&nbsp;nejjednodu\u0161\u0161\u00edch a z\u00e1rove\u0148 nejdostupn\u011bj\u0161\u00edch \u00fav\u011br\u016f vhodn\u00fdch pro po\u0159\u00edzen\u00ed libovoln\u00e9ho typu nemovitosti.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>P\u0159edm\u011bt<\/strong><\/td><td><strong>Warto\u015b\u0107<\/strong><\/td><\/tr><tr><td>Investi\u010dn\u00ed nemovitost<\/td><td>Tak<\/td><\/tr><tr><td>Podnikatelsk\u00e1 nemovitost<\/td><td>Tak<\/td><\/tr><tr><td>Nemovitost ve Va\u0161em vlastnictv\u00ed<\/td><td>Tak<\/td><\/tr><tr><td>Czas utrwalania<\/td><td>Rok a\u017e n\u011bkolik let<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">V\u00edte, k jak\u00fdm \u00fa\u010del\u016fm m\u016f\u017eete vyu\u017e\u00edt pen\u00edze z\u00edskan\u00e9 prost\u0159ednictv\u00ed hypot\u00e9\u010dn\u00edho \u00fav\u011bru?<\/figcaption><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Hypot\u00e9\u010dn\u00ed \u00fav\u011br jako takov\u00fd je prim\u00e1rn\u011b ur\u010den pro n\u00e1kup rodinn\u00fdch a rekrea\u010dn\u00edch objekt\u016f. Pro po\u0159\u00edzen\u00ed podnikatelsk\u00fdch nemovitost\u00ed je t\u0159eba volit trochu upraven\u00e9 hypot\u00e9ky. Co se t\u00fd\u010de doby fixace, p\u0159edstavuje jistotu v&nbsp;podob\u011b nem\u011bnn\u00e9 \u00farokov\u00e9 sazby po dobu jej\u00ed platnosti. Ta m\u016f\u017ee trvat jeden rok, t\u0159i roky, p\u011bt let a v\u00edce.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Nev\u00fdhody hypot\u00e9ky<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Co je v\u00fdhodn\u00e9 pro jednoho, nemus\u00ed b\u00fdt v\u00fdhodn\u00e9 pro druh\u00e9ho. Proto byste m\u011bli zn\u00e1t tak\u00e9 negativa doprov\u00e1zej\u00edc\u00ed hypot\u00e9\u010dn\u00ed \u00fav\u011br. <strong>Po\u010d\u00edtat mus\u00edte nap\u0159\u00edklad s\u00a0\u00fav\u011brov\u00fdm z\u00e1vazkem na pom\u011brn\u011b dlouhou dobu<\/strong>. Ta se nej\u010dast\u011bji pohybuje mezi dvaceti a\u017e t\u0159iceti lety. P\u0159ipravte se na to, \u017ee administrativn\u00ed proces bude tak trochu b\u011bhem na dlouhou tra\u0165.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">Chcete-li z\u00edskat hypot\u00e9\u010dn\u00ed \u00fav\u011br, mus\u00edte m\u00edt naspo\u0159enou \u010d\u00e1stku v odpov\u00eddaj\u00edc\u00ed v\u00fd\u0161i. Obvykle je to kolem 20 % z hodnoty nemovitosti.<\/p>\n<cite>Olivia S., bankovn\u00ed \u00fa\u0159ednice.<\/cite><\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">V\u00a0z\u00e1vislosti na volb\u011b konkr\u00e9tn\u00edho hypot\u00e9\u010dn\u00edho \u00fav\u011bru mus\u00edte po\u010d\u00edtat tak\u00e9 s\u00a0poplatky spjat\u00fdmi s\u00a0t\u00edmto produktem. Z\u00e1rove\u0148 si uv\u011bdomte, \u017ee ne ka\u017ed\u00e1 nemovitost je vhodn\u00e1 k\u00a0ru\u010den\u00ed.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/banka-poskytujici-uver-1024x576.jpg\" alt=\"\" class=\"wp-image-795\" srcset=\"https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/banka-poskytujici-uver-1024x576.jpg 1024w, https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/banka-poskytujici-uver-300x169.jpg 300w, https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/banka-poskytujici-uver-768x432.jpg 768w, https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/banka-poskytujici-uver-18x10.jpg 18w, https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/banka-poskytujici-uver.jpg 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\">Pokud m\u00e1te z\u00e1jem o hypot\u00e9ku, mus\u00edte vyrazit do n\u011bkter\u00e9 z bank.<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">\u00dav\u011br ze stavebn\u00edho spo\u0159en\u00ed<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A jak\u00e9ho nejv\u011bt\u0161\u00edho konkurenta m\u00e1 hypot\u00e9\u010dn\u00ed \u00fav\u011br? Je to pr\u00e1v\u011b \u00fav\u011br ze stavebn\u00edho spo\u0159en\u00ed. Jak u\u017e prozrazuje jeho n\u00e1zev, jedn\u00e1 se o stavebn\u00ed spo\u0159en\u00ed, z&nbsp;n\u011bho\u017e m\u016f\u017eete n\u00e1sledn\u011b \u010derpat po\u017eadovan\u00fd \u00fav\u011br. Po\u010d\u00edtat ov\u0161em mus\u00edte s&nbsp;t\u00edm, \u017ee je nutn\u00e9 m\u00edt naspo\u0159enou \u010d\u00e1stku v&nbsp;odpov\u00eddaj\u00edc\u00ed v\u00fd\u0161i. Z\u00e1rove\u0148 mus\u00edte n\u011bjakou dobu spo\u0159it.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Doba spo\u0159en\u00ed alespo\u0148 2 roky<\/li>\n\n\n\n<li>Naspo\u0159en\u00e1 suma 30 a\u017e 60 %<\/li>\n\n\n\n<li>P\u0159eklenovac\u00ed \u00fav\u011br<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Je to pr\u00e1v\u011b p\u0159eklenovac\u00ed \u00fav\u011br, kter\u00fd lze z\u00edskat v&nbsp;okam\u017eiku, kdy <em>na z\u00e1klad\u011b podm\u00ednek nedosahujete na \u0159\u00e1dn\u00fd \u00fav\u011br ze stavebn\u00edho spo\u0159en\u00ed<\/em>. S&nbsp;n\u00edm se ov\u0161em poj\u00ed jist\u00e9 nev\u00fdhody, o \u010dem\u017e se zm\u00edn\u00edme v&nbsp;n\u00e1sleduj\u00edc\u00edch kapitol\u00e1ch.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">V\u00fdhody \u00fav\u011bru ze stavebn\u00edho spo\u0159en\u00ed<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Za\u010dn\u011bme op\u011bt t\u00edm kladn\u00fdm, co nab\u00edz\u00ed \u00fav\u011br ze stavebn\u00edho spo\u0159en\u00ed. Ten v&nbsp;n\u011bkter\u00fdch oblastech dokonce p\u0159ed\u010d\u00ed hypot\u00e9\u010dn\u00ed \u00fav\u011br. U ni\u017e\u0161\u00edch \u010d\u00e1stek se nap\u0159\u00edklad m\u016f\u017eete vyhnout ru\u010den\u00ed nemovitost\u00ed, pop\u0159\u00edpad\u011b sh\u00e1n\u011bn\u00ed ru\u010ditele. U vy\u0161\u0161\u00edch sum samoz\u0159ejm\u011b mus\u00edte ru\u010dit stejn\u011b, jako u hypot\u00e9ky.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>P\u0159edm\u011bt<\/strong><\/td><td><strong>Warto\u015b\u0107<\/strong><\/td><\/tr><tr><td>\u00darokov\u00e1 sazba<\/td><td>Stejn\u00e1 po celou dobu splatnosti<\/td><\/tr><tr><td>Okres zapadalno\u015bci<\/td><td>Do 30 lat<\/td><\/tr><tr><td>Spo\u0159en\u00ed<\/td><td>St\u00e1tn\u00ed podpora a \u00faro\u010den\u00ed<\/td><\/tr><tr><td>Alternatywa<\/td><td>P\u0159eklenovac\u00ed \u00fav\u011br<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">\u00dav\u011br ze stavebn\u00edho spo\u0159en\u00ed se poj\u00ed se spoustou zaj\u00edmav\u00fdch v\u00fdhod a klad\u016f.<\/figcaption><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Zm\u00ednka by m\u011bla padnout tak\u00e9 o tom, \u017ee finan\u010dn\u00ed prost\u0159edky odkl\u00e1dan\u00e9 a zhodnocovan\u00e9 prost\u0159ednictv\u00edm stavebn\u00edho spo\u0159en\u00ed se zapo\u010d\u00edt\u00e1vaj\u00ed p\u0159i \u017e\u00e1dosti o hypot\u00e9\u010dn\u00ed \u00fav\u011br. Oba produkty se tedy v&nbsp;n\u011bkter\u00fdch sf\u00e9r\u00e1ch trochu prol\u00ednaj\u00ed.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Pro\u010d zvolit rad\u011bji hypot\u00e9\u010dn\u00ed \u00fav\u011br?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">A te\u010f to negativn\u00ed, co nab\u00edz\u00ed <strong>\u00fav\u011br ze stavebn\u00edho spo\u0159en\u00ed<\/strong>. Obecn\u011b je spjat s\u00a0vy\u0161\u0161\u00edmi \u00farokov\u00fdmi sazbami, co\u017e plat\u00ed dvojn\u00e1sob pro p\u0159eklenovac\u00ed \u00fav\u011br. V\u00a0jeho p\u0159\u00edpad\u011b plat\u00edte v\u00a0podstat\u011b \u00faroky, dokud nespln\u00edte podm\u00ednky \u0159\u00e1dn\u00e9ho \u00fav\u011bru.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">V r\u00e1mci \u00fav\u011bru ze stavebn\u00edho spo\u0159en\u00ed jsou klient\u016fm poskytov\u00e1ny ni\u017e\u0161\u00ed \u010d\u00e1stky ne\u017eli u hypot\u00e9ky. <\/p>\n<cite>Madison L., bankovn\u00ed \u00fa\u0159ednice.<\/cite><\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">N\u011bkter\u00e9 spo\u0159itelny si nav\u00edc z\u00edsk\u00e1n\u00ed \u0159\u00e1dn\u00e9ho \u00fav\u011bru ze stavebn\u00edho spo\u0159en\u00ed vynucuj\u00ed uzav\u0159en\u00edm smlouvy na dal\u0161\u00ed produkt spole\u010dnosti. Po\u010d\u00edtat mus\u00edte tak\u00e9 s\u00a0t\u00edm, \u017ee jde o \u00fa\u010delov\u00fd \u00fav\u011br, u n\u011bho\u017e je zapot\u0159eb\u00ed dokl\u00e1dat, jak jste profinancovali dan\u00e9 prost\u0159edky.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"579\" src=\"https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/hypoteka-na-bydleni-1024x579.jpg\" alt=\"\" class=\"wp-image-796\" srcset=\"https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/hypoteka-na-bydleni-1024x579.jpg 1024w, https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/hypoteka-na-bydleni-300x170.jpg 300w, https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/hypoteka-na-bydleni-768x435.jpg 768w, https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/hypoteka-na-bydleni-18x10.jpg 18w, https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/hypoteka-na-bydleni.jpg 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\">\u00dav\u011br ze stavebn\u00edho spo\u0159en\u00ed a hypot\u00e9\u010dn\u00ed \u00fav\u011br maj\u00ed jeden a ten sam\u00fd c\u00edl, kter\u00fdm je vlastn\u00ed bydlen\u00ed.<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Hypot\u00e9\u010dn\u00ed \u00fav\u011br nebo \u00fav\u011br ze stavebn\u00edho spo\u0159en\u00ed?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Ot\u00e1zka, na kterou pravd\u011bpodobn\u011b nelze jednozna\u010dn\u011b odpov\u011bd\u011bt. Ka\u017ed\u00fd z&nbsp;n\u00e1s m\u00e1 toti\u017e trochu jin\u00e9 pot\u0159eby z&nbsp;pohledu investice do nemovitosti. Mnoz\u00ed se nav\u00edc li\u0161\u00ed i sv\u00fdmi \u017eivotn\u00edmi a finan\u010dn\u00edmi podm\u00ednkami. <em>Pro n\u011bkoho bude vhodn\u00fd hypot\u00e9\u010dn\u00ed \u00fav\u011br, jin\u00e9mu zase padne na t\u011blo \u0159\u00e1dn\u00fd \u00fav\u011br ze stavebn\u00edho spo\u0159en\u00ed<\/em>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Ot\u00e1zky a odpov\u011bdi<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Pokud si st\u00e1le nejste jisti, jak\u00fd \u00fav\u011brov\u00fd produkt je pro financov\u00e1n\u00ed vlastn\u00ed nemovitosti vhodn\u00fd pr\u00e1v\u011b pro V\u00e1s, za\u010dt\u011bte se do n\u00e1sleduj\u00edc\u00edch \u0159\u00e1dk\u016f. Nej\u010dast\u011bj\u0161\u00ed ot\u00e1zky a odpov\u011bdi V\u00e1m mo\u017en\u00e1 prozrad\u00ed to, co pot\u0159ebujete v\u011bd\u011bt a z\u00e1rove\u0148 usnadn\u00ed rozhodov\u00e1n\u00ed.<\/p>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1684254062915\"><strong class=\"schema-faq-question\">Na co lze pou\u017e\u00edt \u00fav\u011br ze stavebn\u00edho spo\u0159en\u00ed?<\/strong> <p class=\"schema-faq-answer\">Financovat s n\u00edm m\u016f\u017eete n\u00e1kup pozemku, v\u00fdstavbu domu, n\u00e1kup nemovitosti, ale tak\u00e9 rekonstrukci, pop\u0159\u00edpad\u011b vy\u0159e\u0161\u00edte d\u011bdick\u00e9 \u0159\u00edzen\u00ed.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1684254073073\"><strong class=\"schema-faq-question\">Jak je to s c\u00edlovou \u010d\u00e1stkou u \u00fav\u011bru ze stavebn\u00edho spo\u0159en\u00ed?<\/strong> <p class=\"schema-faq-answer\">P\u0159i uzav\u00edr\u00e1n\u00ed smlouvy si stanov\u00edte c\u00edlovou \u010d\u00e1stku. Pak mus\u00edte na\u0161et\u0159it alespo\u0148 30 a\u017e 50 %. Zb\u00fdvaj\u00edc\u00ed \u010d\u00e1st V\u00e1m p\u016fj\u010d\u00ed spo\u0159itelna formou \u0159\u00e1dn\u00e9ho \u00fav\u011bru.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1684254086967\"><strong class=\"schema-faq-question\">Je hypot\u00e9\u010dn\u00ed \u00fav\u011br spjat s n\u011bjak\u00fdmi poplatky nav\u00edc?<\/strong> <p class=\"schema-faq-answer\">Ano, mohou to b\u00fdt poplatky za sjedn\u00e1n\u00ed hypot\u00e9ky. V\u00fdjimkou nen\u00ed odhad nemovitosti. Banky z\u00e1rove\u0148 vy\u017eaduj\u00ed uzav\u0159\u00edt smlouvu o poji\u0161t\u011bn\u00ed proti neschopnosti spl\u00e1cet.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1684254095838\"><strong class=\"schema-faq-question\">Je mo\u017en\u00e9 doplatit hypot\u00e9ku nebo \u00fav\u011br ze stavebn\u00edho spo\u0159en\u00ed d\u0159\u00edve?<\/strong> <p class=\"schema-faq-answer\">Ano, takovou mo\u017enost m\u00e1te. V p\u0159\u00edpad\u011b hypot\u00e9\u010dn\u00edho \u00fav\u011bru se to v\u0161ak vyplat\u00ed obvykle na konci fixa\u010dn\u00ed doby. V opa\u010dn\u00e9m p\u0159\u00edpad\u011b m\u016f\u017eete platit sank\u010dn\u00ed poplatky nav\u00edc.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1684254104486\"><strong class=\"schema-faq-question\">Lze t\u011bmito produkty tak\u00e9 refinancovat star\u00e9 p\u016fj\u010dky?<\/strong> <p class=\"schema-faq-answer\">Ano, hypot\u00e9\u010dn\u00ed \u00fav\u011br a \u00fav\u011br ze stavebn\u00edho spo\u0159en\u00ed mohou poslou\u017eit k t\u011bmto \u00fa\u010del\u016fm. P\u016fvodn\u00ed p\u016fj\u010dky se ale mus\u00ed t\u00fdkat financov\u00e1n\u00ed bydlen\u00ed.<\/p> <\/div> <\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Hypot\u00e9\u010dn\u00ed \u00fav\u011br a vlastn\u00ed bydlen\u00ed<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">A\u0165 u\u017e se rozhodnete pro hypot\u00e9\u010dn\u00ed \u00fav\u011br nebo \u00fav\u011br ze stavebn\u00edho spo\u0159en\u00ed, sna\u017ete se nek\u00fdvnout na prvn\u00ed nab\u00eddku. Poskytovatel\u016f t\u011bchto slu\u017eeb je v\u00edce ne\u017e dost. Proto se vyplat\u00ed <strong>porovnat jednotliv\u00e9 produkty<\/strong> a vybrat ten nejvhodn\u011bj\u0161\u00ed a nejv\u00fdhodn\u011bj\u0161\u00ed pro Va\u0161e pot\u0159eby. N\u00e1klady na hypot\u00e9ky se toti\u017e mohou celkem dost li\u0161it.<\/p>","protected":false},"excerpt":{"rendered":"<p>Hypot\u00e9\u010dn\u00ed \u00fav\u011br a \u00fav\u011br ze stavebn\u00edho spo\u0159en\u00ed jsou finan\u010dn\u00ed produkty souvisej\u00edc\u00ed s&nbsp;po\u0159\u00edzen\u00edm nemovitosti. Byty, domy a stavebn\u00ed pozemky ostatn\u011b p\u0159edstavuj\u00ed zaj\u00edmav\u00e9 mo\u017enosti investic. Pokud sn\u00edte o vlastn\u00edm bydlen\u00ed a nem\u00e1te dostatek pen\u011b\u017en\u00edch prost\u0159edk\u016f, nab\u00edz\u00ed se V\u00e1m v&nbsp;podstat\u011b t\u0159i dostupn\u00e9 varianty, o nich\u017e se podrobn\u011bji zm\u00edn\u00edme v&nbsp;n\u00e1sleduj\u00edc\u00edch \u0159\u00e1dc\u00edch. S&nbsp;pomoc\u00ed t\u011bchto \u00fav\u011brov\u00fdch &hellip; <\/p>","protected":false},"author":2,"featured_media":793,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[624,625,626,596,633,631,630,627,629,628],"class_list":["post-792","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance","tag-hypotecni-uver","tag-hypoteka","tag-hypoteky","tag-nemovitost","tag-pozemek","tag-preklenovaci-uver","tag-stavebni-sporeni","tag-uver","tag-uver-ze-stavebniho-sporeni","tag-uvery"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Hypot\u00e9\u010dn\u00ed \u00fav\u011br vs. \u00fav\u011br ze stavebn\u00edho spo\u0159en\u00ed - REGBU.COM<\/title>\n<meta name=\"description\" content=\"Hypot\u00e9\u010dn\u00ed \u00fav\u011br je jedn\u00edm ze zp\u016fsob\u016f, jak financovat vlastn\u00ed bydlen\u00ed. 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Alternativou je \u00fav\u011br ze stavebn\u00edho spo\u0159en\u00ed. Zn\u00e1te rozd\u00edly mezi nimi?","breadcrumb":{"@id":"https:\/\/regbu.com\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni\/#breadcrumb"},"mainEntity":[{"@id":"https:\/\/regbu.com\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni\/#faq-question-1684254062915"},{"@id":"https:\/\/regbu.com\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni\/#faq-question-1684254073073"},{"@id":"https:\/\/regbu.com\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni\/#faq-question-1684254086967"},{"@id":"https:\/\/regbu.com\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni\/#faq-question-1684254095838"},{"@id":"https:\/\/regbu.com\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni\/#faq-question-1684254104486"}],"inLanguage":"pl-PL","potentialAction":[{"@type":"ReadAction","target":["https:\/\/regbu.com\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni\/"]}]},{"@type":"ImageObject","inLanguage":"pl-PL","@id":"https:\/\/regbu.com\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni\/#primaryimage","url":"https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni.jpg","contentUrl":"https:\/\/regbu.com\/wp-content\/uploads\/2023\/05\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni.jpg","width":1200,"height":679,"caption":"Hypot\u00e9\u010dn\u00ed \u00fav\u011br vs. \u00fav\u011br ze stavebn\u00edho spo\u0159en\u00ed"},{"@type":"BreadcrumbList","@id":"https:\/\/regbu.com\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/regbu.com\/en\/"},{"@type":"ListItem","position":2,"name":"Hypot\u00e9\u010dn\u00ed \u00fav\u011br vs. \u00fav\u011br ze stavebn\u00edho spo\u0159en\u00ed"}]},{"@type":"WebSite","@id":"https:\/\/regbu.com\/en\/#website","url":"https:\/\/regbu.com\/en\/","name":"REGBU.COM","description":"","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/regbu.com\/en\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"pl-PL"},{"@type":"Person","@id":"https:\/\/regbu.com\/en\/#\/schema\/person\/94ea9deda2629771b8a9ced002f6784e","name":"George Martin","url":"https:\/\/regbu.com\/pl\/author\/george-martin\/"},{"@type":"Question","@id":"https:\/\/regbu.com\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni\/#faq-question-1684254062915","position":1,"url":"https:\/\/regbu.com\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni\/#faq-question-1684254062915","name":"Na co lze pou\u017e\u00edt \u00fav\u011br ze stavebn\u00edho spo\u0159en\u00ed?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Financovat s n\u00edm m\u016f\u017eete n\u00e1kup pozemku, v\u00fdstavbu domu, n\u00e1kup nemovitosti, ale tak\u00e9 rekonstrukci, pop\u0159\u00edpad\u011b vy\u0159e\u0161\u00edte d\u011bdick\u00e9 \u0159\u00edzen\u00ed.","inLanguage":"pl-PL"},"inLanguage":"pl-PL"},{"@type":"Question","@id":"https:\/\/regbu.com\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni\/#faq-question-1684254073073","position":2,"url":"https:\/\/regbu.com\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni\/#faq-question-1684254073073","name":"Jak je to s c\u00edlovou \u010d\u00e1stkou u \u00fav\u011bru ze stavebn\u00edho spo\u0159en\u00ed?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"P\u0159i uzav\u00edr\u00e1n\u00ed smlouvy si stanov\u00edte c\u00edlovou \u010d\u00e1stku. Pak mus\u00edte na\u0161et\u0159it alespo\u0148 30 a\u017e 50 %. Zb\u00fdvaj\u00edc\u00ed \u010d\u00e1st V\u00e1m p\u016fj\u010d\u00ed spo\u0159itelna formou \u0159\u00e1dn\u00e9ho \u00fav\u011bru.","inLanguage":"pl-PL"},"inLanguage":"pl-PL"},{"@type":"Question","@id":"https:\/\/regbu.com\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni\/#faq-question-1684254086967","position":3,"url":"https:\/\/regbu.com\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni\/#faq-question-1684254086967","name":"Je hypot\u00e9\u010dn\u00ed \u00fav\u011br spjat s n\u011bjak\u00fdmi poplatky nav\u00edc?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Ano, mohou to b\u00fdt poplatky za sjedn\u00e1n\u00ed hypot\u00e9ky. V\u00fdjimkou nen\u00ed odhad nemovitosti. Banky z\u00e1rove\u0148 vy\u017eaduj\u00ed uzav\u0159\u00edt smlouvu o poji\u0161t\u011bn\u00ed proti neschopnosti spl\u00e1cet.","inLanguage":"pl-PL"},"inLanguage":"pl-PL"},{"@type":"Question","@id":"https:\/\/regbu.com\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni\/#faq-question-1684254095838","position":4,"url":"https:\/\/regbu.com\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni\/#faq-question-1684254095838","name":"Je mo\u017en\u00e9 doplatit hypot\u00e9ku nebo \u00fav\u011br ze stavebn\u00edho spo\u0159en\u00ed d\u0159\u00edve?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Ano, takovou mo\u017enost m\u00e1te. V p\u0159\u00edpad\u011b hypot\u00e9\u010dn\u00edho \u00fav\u011bru se to v\u0161ak vyplat\u00ed obvykle na konci fixa\u010dn\u00ed doby. V opa\u010dn\u00e9m p\u0159\u00edpad\u011b m\u016f\u017eete platit sank\u010dn\u00ed poplatky nav\u00edc.","inLanguage":"pl-PL"},"inLanguage":"pl-PL"},{"@type":"Question","@id":"https:\/\/regbu.com\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni\/#faq-question-1684254104486","position":5,"url":"https:\/\/regbu.com\/hypotecni-uver-vs-uver-ze-stavebniho-sporeni\/#faq-question-1684254104486","name":"Lze t\u011bmito produkty tak\u00e9 refinancovat star\u00e9 p\u016fj\u010dky?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Ano, hypot\u00e9\u010dn\u00ed \u00fav\u011br a \u00fav\u011br ze stavebn\u00edho spo\u0159en\u00ed mohou poslou\u017eit k t\u011bmto \u00fa\u010del\u016fm. P\u016fvodn\u00ed p\u016fj\u010dky se ale mus\u00ed t\u00fdkat financov\u00e1n\u00ed bydlen\u00ed.","inLanguage":"pl-PL"},"inLanguage":"pl-PL"}]}},"_links":{"self":[{"href":"https:\/\/regbu.com\/pl\/wp-json\/wp\/v2\/posts\/792","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/regbu.com\/pl\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/regbu.com\/pl\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/regbu.com\/pl\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/regbu.com\/pl\/wp-json\/wp\/v2\/comments?post=792"}],"version-history":[{"count":1,"href":"https:\/\/regbu.com\/pl\/wp-json\/wp\/v2\/posts\/792\/revisions"}],"predecessor-version":[{"id":797,"href":"https:\/\/regbu.com\/pl\/wp-json\/wp\/v2\/posts\/792\/revisions\/797"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/regbu.com\/pl\/wp-json\/wp\/v2\/media\/793"}],"wp:attachment":[{"href":"https:\/\/regbu.com\/pl\/wp-json\/wp\/v2\/media?parent=792"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/regbu.com\/pl\/wp-json\/wp\/v2\/categories?post=792"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/regbu.com\/pl\/wp-json\/wp\/v2\/tags?post=792"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}